Chase vs Synchrony Bank

Chase is a national bank with good promotions for new customers. How does it compare to Synchrony Bank? Read our comparison chart below.

Chase is one of the biggest banks in the nation with more than 4,700 branches and over 15,000 ATMs. They offer a variety of banking, loans and investing services.

While Synchrony Bank offers high interest savings with an ATM card for easy withdrawals. There is no minimum deposit. Their CDs require a $2,000 minimum deposit to open. There are no service fees for any products.

Compare Chase with Synchrony Bank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	Chase	Synchrony Bank
	Member FDIC
	Visit Site	Learn More
	SPECIAL OFFER Chase First Banking - Learn More Read Chase Review	SPECIAL OFFER High Yield Savings - 3.80% APY - Learn More Read Synchrony Bank Review
	Benefits and Features
Savings	Chase Savings: 0.01% APY. $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account, OR a linked Chase College Checking for Overdraft Protection, OR a linked qualifying Chase checking account, OR for owners under 18. $0 to open. Chase Premier Savings: Earn a higher interest rate when you have a bigger balance and meet certain relationship requirements when linked with a Chase Premier Plus Checking or Sapphire Checking account.	3.80% APY. No monthly service fee and no minimum deposit. An ATM card is provided for easy withdrawal. Synchrony will refund ATM fees for other banks up to $5 per statement cycle
CD	Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.	0.25% to 4.25% APY. Terms of 3 months to 5 years. No minimum deposit to open.
Checking	Chase Total Checking® Chase Premier Plus Checking: An interest-bearing account with some perks. $25 monthly service waived with an average beginning day balance of $15,000 OR a Chase mortgage with auto pay. $0 minimum balance to open. Chase Sapphire Checking: A premium checking account for those with $75,000 or more on deposit with Chase. $0 minimum balance to open. Chase College Checking: No monthly service fee for college students age 17-24 at account opening with proof of student status, for up to 5 years. $0 to open. Chase Private Client Checking℠: For high net worth individuals who have $150,000 on deposit with Chase.
Money Market		2.00% APY. No monthly service fee and no minimum deposit.
Mobile App	iOS & Android	iOS & Android
ATMs	15,000+ Chase ATMs	Any ATMs with Plus or Accel logos
Customer Service	Automated service available 24/7	Mon-Fri 8:00 am - 10:00 pm (ET); Sat-Sun 8:00 am - 5:00 pm (ET)
IRA CD		0.25% to 4.15% APY. Terms of 3 months to 5 years. No minimum deposit to open.
IRA Money Market		2.00% APY.
Locations	Over 4,700	Online Only
	CreditDonkey® Reviews

Savings
CD
Checking
Mobile App
Customer Service
Money Market
Pros & Cons	Pros: More than 4,700 branches New customer coupons Full service banking Cons: Low savings rates Not in all states	Pros: Savings with ATM card High APY All balance tiers receive same rate Cons: No checking account Limited customer service hours
Bottom Line	National bank with good promotions for new customers... Read full review	Good online bank offering high interest rates... Read full review
	Visit Site	Learn More
	Chase First Banking Referral Program - Up to $500 Bonus	High Yield Savings - 3.80% APY Money Market - 2.00% APY Certificate of Deposit
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Chase: Pricing information and data points from published website as of 08/26/2025. Synchrony Bank: Pricing information from published website as of 09/16/2025.

Which is Better: Chase or Synchrony Bank?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Chase or Bank of America.

In short: Synchrony Bank's savings is excellent.

Articles on Chase

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